More and more companies are cutting dental coverage out of their benefits
packages, so if you want to be able to take advantage of a
dental health insurance plan,
you will have to find one on your own. Luckily, buying individual dental insurance doesn't have to
be hard; you simply need to be on the lookout for these 4 things:
1. Individual dental insurance that doesn't come with a ton of "rules"
Depending on the type of coverage you get, there will be certain guidelines that you have to follow. But if you want to get the most bang for your buck, you need a policy that doesn't come with a ton of guidelines.
For example, a dental PPO plan doesn't require a referral from your primary dentist if you want to see a specialist. And, under a dental PPO plan, you won't be totally out of luck if you don't go to a dentist that's not on your approved providers list. Other plans, however, will cut you off entirely if you go to an out-of-network dentist - or will make you see your primary dentist first, before you can go talk to an orthodontist.
2. Individual dental insurance that can be bundled with other coverage
Sometimes, the best way to save money on your dental health insurance plan is to buy it in conjunction with another type of insurance - like vision insurance. Since both dental and vision insurance are being left out of many company-sponsored benefits packages, they are a popular pair to get on your own. By getting dental and vision insurance from the same company, you can save a little bit of money on both sets of monthly premium payments.
3. Individual dental insurance that comes with a low deductible
Depending on the dental health insurance plan that you get, you may be responsible for all of your costs until you meet your deductible. That's why it is so important to find affordable dental coverage that also has a low deductible. After all, if your deductible is astronomical, you're paying monthly premiums and paying for all of your treatments and services yourself!
4. Individual dental insurance that comes with the option to expand later
Just because you're the only one shopping for dental coverage now doesn't mean that will be the case in a few months or a few years from now. If your spouse and kids suddenly need dental insurance, you don't want to have to cut through a bunch of red tape to get it.